My Welsh Sec A has a very thick coat & lives out. He has shelter & I bring him in with the worst weather. My daughter started riding him last year but it quickly became apparent that my no rug policy (as he’s a good dooer) hasn’t worked for the riding side. I’m thinking of clipping him & rugging. The key thing I’m bothered about is over rugging as I think he may still get too warm even with a nonfill rug & a belly & bib clip which would be my choice as only in occasional work. Should I take more hair off? Or I wondered what suggestions people may have in their experience.